@hyperscale0/hsx 5.7.0 → 6.0.0

package/std/reporting.hsx

@@ -6,9 +6,7 @@ header reporting
 // The default-rate report measures period-end stock, not new default incidence.
 // Paid facilities are excluded and write-offs counted separately. Amounts are SAR
 // minor units; declared scale and rounding govern ratios. Missing identity joins
-// or unreconciled schedule counts refuse. Origination cohorts and bureau output
-// explicitly refuse until their unavailable governed facts exist. No bureau
-// submission, provider layout, external transport or restructuring proof is supplied.
+// or unreconciled schedule counts refuse.
 
 // Cost: portfolio.create declares no transfers, owned accounts or invocations.
 // That zero instruction count does not price report capture, rendering, storage or
@@ -376,7 +374,7 @@ instrument portfolio(on: ref<financing.installments>[], default_days: integer(1,
       }
     },
     {
-      identity: { id: "origination_cohorts", version: 1, description: "Origination cohort performance. Refuses until business-effective origination dates and dated repayment allocation are retained; record creation time is not origination." },
+      identity: { id: "period_end_outstanding_principal_default_rate", version: 1, description: "Current active facilities with any unpaid installment at least the declared default days past due, observed at period end. Cure when arrears clear. Count and outstanding-principal weighted rates in the declared scale exclude paid and written-off facilities; write-offs are counted separately. This is a stock measure, not a new-default incidence or origination cohort rate." },
       scope: { kind: "product", classification: "internal", currency: "SAR" },
       datasets: [
         {
@@ -609,24 +607,78 @@ instrument portfolio(on: ref<financing.installments>[], default_days: integer(1,
           }
         ],
         expressions: [
-          { id: "recordedMonth", op: "bucket", value: "recordedCreation", unit: "month" }
+          {
+            id: "threshold",
+            op: "literal",
+            type: { kind: "integer" },
+            value: default_days
+          },
+          {
+            id: "zero",
+            op: "literal",
+            type: { kind: "integer" },
+            value: 0
+          },
+          {
+            id: "one",
+            op: "literal",
+            type: { kind: "integer" },
+            value: 1
+          },
+          {
+            id: "zeroMoney",
+            op: "literal",
+            type: { kind: "money", currency: "SAR" },
+            value: "0"
+          },
+          { id: "pastThreshold", op: "atMost", left: "threshold", right: "oldestUnpaidDays" },
+          { id: "isDefault", op: "and", left: "active", right: "pastThreshold" },
+          { id: "activeCount", op: "choose", condition: "active", yes: "one", no: "zero" },
+          { id: "defaultCount", op: "choose", condition: "isDefault", yes: "one", no: "zero" },
+          { id: "writeOffCount", op: "choose", condition: "writtenOff", yes: "one", no: "zero" },
+          { id: "activePrincipal", op: "choose", condition: "active", yes: "outstandingPrincipal", no: "zeroMoney" },
+          { id: "defaultPrincipal", op: "choose", condition: "isDefault", yes: "outstandingPrincipal", no: "zeroMoney" }
         ],
-        groupBy: [ "recordedMonth" ],
+        groupBy: [  ],
         aggregates: [
-          { name: "facilities", op: "count" },
-          { name: "principalMinor", op: "sum", value: "outstandingPrincipal" }
+          { name: "activeFacilities", op: "sum", value: "activeCount" },
+          { name: "defaultFacilities", op: "sum", value: "defaultCount" },
+          { name: "writtenOffFacilities", op: "sum", value: "writeOffCount" },
+          { name: "activePrincipalMinor", op: "sum", value: "activePrincipal" },
+          { name: "defaultPrincipalMinor", op: "sum", value: "defaultPrincipal" }
         ],
-        resultExpressions: [  ]
+        resultExpressions: [
+          { id: "countRate", op: "ratio", numerator: "defaultFacilities", denominator: "activeFacilities", scale: ratio_scale, rounding: ratio_rounding, zero: "null" },
+          { id: "principalRate", op: "ratio", numerator: "defaultPrincipalMinor", denominator: "activePrincipalMinor", scale: ratio_scale, rounding: ratio_rounding, zero: "null" },
+          {
+            id: "restructuringEvidence",
+            op: "literal",
+            type: { kind: "text" },
+            value: "unavailable"
+          },
+          {
+            id: "defaultDays",
+            op: "literal",
+            type: { kind: "integer" },
+            value: default_days
+          },
+          {
+            id: "rateScale",
+            op: "literal",
+            type: { kind: "integer" },
+            value: ratio_scale
+          }
+        ]
       },
       validation: {
-        empty: "noEligibleFacilities",
+        empty: "refuse",
         required: [ "borrowerEntity" ],
         reconcile: [  ],
         rowReconcile: [
           { left: "originalPrincipal", right: "scheduledPrincipalTotal" },
           { left: "scheduleCount", right: "capturedScheduleCount" }
         ],
-        unavailableFacts: [ "business-effective origination timestamp", "dated repayment allocation and recovery history" ],
+        unavailableFacts: [  ],
         lockTimeoutMs: lock_wait_ms,
         captureTimeoutMs: capture_ms,
         maxRows: max_rows,
@@ -638,395 +690,54 @@ instrument portfolio(on: ref<financing.installments>[], default_days: integer(1,
         formats: [ "json", "csv" ],
         columns: [
           {
-            name: "recordedMonth",
-            label: "recordedMonth",
-            type: { kind: "text" }
+            name: "activeFacilities",
+            label: "activeFacilities",
+            type: { kind: "integer" }
           },
           {
-            name: "facilities",
-            label: "facilities",
+            name: "defaultFacilities",
+            label: "defaultFacilities",
             type: { kind: "integer" }
           },
           {
-            name: "principalMinor",
-            label: "principalMinor",
+            name: "writtenOffFacilities",
+            label: "writtenOffFacilities",
+            type: { kind: "integer" }
+          },
+          {
+            name: "activePrincipalMinor",
+            label: "activePrincipalMinor",
+            type: { kind: "money", currency: "SAR" }
+          },
+          {
+            name: "defaultPrincipalMinor",
+            label: "defaultPrincipalMinor",
             type: { kind: "money", currency: "SAR" }
-          }
-        ],
-        sort: [ "recordedMonth" ]
-      },
-      authority: {
-        request: [ "owner", "finance" ],
-        read: [ "owner", "admin", "operations", "finance", "viewer" ],
-        release: [  ],
-        retention: { policy: "report_replay", years: retention_years }
-      }
-    },
-    {
-      identity: { id: "period_end_outstanding_principal_default_rate", version: 1, description: "Current active facilities with any unpaid installment at least the declared default days past due, observed at period end. Cure when arrears clear. Count and outstanding-principal weighted rates in the declared scale exclude paid and written-off facilities; write-offs are counted separately. This is a stock measure, not a new-default incidence or origination cohort rate." },
-      scope: { kind: "product", classification: "internal", currency: "SAR" },
-      datasets: [
-        {
-          id: "facilities",
-          source: "instrument",
-          instruments: on,
-          rowKey: "facilityId",
-          columns: [
-            {
-              name: "facilityId",
-              field: "id",
-              type: { kind: "text" },
-              required: true
-            },
-            {
-              name: "borrowerAccount",
-              field: "borrower",
-              type: { kind: "text" },
-              required: true
-            },
-            {
-              name: "state",
-              field: "status",
-              type: { kind: "text" },
-              required: true
-            },
-            {
-              name: "originalPrincipal",
-              field: "principal",
-              type: { kind: "money", currency: "SAR" },
-              required: true
-            },
-            {
-              name: "scheduleCount",
-              field: "months",
-              type: { kind: "integer" },
-              required: true
-            },
-            {
-              name: "recordedCreation",
-              field: "createdAt",
-              type: { kind: "date" },
-              required: true
-            }
-          ],
-          expressions: [
-            {
-              id: "activeState",
-              op: "literal",
-              type: { kind: "text" },
-              value: "active"
-            },
-            {
-              id: "paidState",
-              op: "literal",
-              type: { kind: "text" },
-              value: "paid"
-            },
-            {
-              id: "writtenState",
-              op: "literal",
-              type: { kind: "text" },
-              value: "written_off"
-            },
-            { id: "active", op: "equal", left: "state", right: "activeState" },
-            { id: "paid", op: "equal", left: "state", right: "paidState" },
-            { id: "writtenOff", op: "equal", left: "state", right: "writtenState" },
-            { id: "activeOrPaid", op: "or", left: "active", right: "paid" },
-            { id: "financed", op: "or", left: "active", right: "writtenOff" }
-          ],
-          selection: "financed"
-        },
-        {
-          id: "schedule",
-          source: "instrument",
-          instruments: child(on, slice),
-          rowKey: "sliceId",
-          columns: [
-            {
-              name: "sliceId",
-              field: "id",
-              type: { kind: "text" },
-              required: true
-            },
-            {
-              name: "planId",
-              field: "plan",
-              type: { kind: "text" },
-              required: true
-            },
-            {
-              name: "due",
-              field: "dueAt",
-              type: { kind: "date" },
-              required: true
-            },
-            {
-              name: "principal",
-              field: "principalReceivable.balance",
-              type: { kind: "money", currency: "SAR" },
-              required: true
-            },
-            {
-              name: "profit",
-              field: "profitReceivable.balance",
-              type: { kind: "money", currency: "SAR" },
-              required: true
-            },
-            {
-              name: "earnedProfit",
-              field: "profitEarned.balance",
-              type: { kind: "money", currency: "SAR" },
-              required: true
-            },
-            {
-              name: "scheduledPrincipal",
-              field: "principal",
-              type: { kind: "money", currency: "SAR" },
-              required: true
-            }
-          ],
-          expressions: [
-            {
-              id: "zeroMoney",
-              op: "literal",
-              type: { kind: "money", currency: "SAR" },
-              value: "0"
-            },
-            {
-              id: "zeroDays",
-              op: "literal",
-              type: { kind: "integer" },
-              value: 0
-            },
-            { id: "observed", op: "parameter", name: "observationAt" },
-            { id: "scheduledOutstanding", op: "sum", left: "principal", right: "profit" },
-            { id: "totalOutstanding", op: "sum", left: "scheduledOutstanding", right: "earnedProfit" },
-            { id: "unpaid", op: "less", left: "zeroMoney", right: "totalOutstanding" },
-            { id: "elapsed", op: "daysBetween", left: "due", right: "observed" },
-            { id: "nonnegativeDays", op: "maximum", left: "elapsed", right: "zeroDays" },
-            { id: "daysPastDue", op: "choose", condition: "unpaid", yes: "nonnegativeDays", no: "zeroDays" }
-          ]
-        },
-        {
-          id: "borrowerAccounts",
-          source: "account",
-          instruments: [  ],
-          rowKey: "accountId",
-          columns: [
-            {
-              name: "accountId",
-              field: "id",
-              type: { kind: "text" },
-              required: true
-            },
-            {
-              name: "participant",
-              field: "ownerParticipantId",
-              type: { kind: "text" },
-              required: false
-            }
-          ],
-          expressions: [  ]
-        },
-        {
-          id: "borrowers",
-          source: "identity",
-          instruments: [  ],
-          rowKey: "customerId",
-          columns: [
-            {
-              name: "customerId",
-              field: "id",
-              type: { kind: "text" },
-              required: true
-            },
-            {
-              name: "participantId",
-              field: "participantId",
-              type: { kind: "text" },
-              required: true
-            },
-            {
-              name: "entityId",
-              field: "entityId",
-              type: { kind: "text" },
-              required: true
-            }
-          ],
-          expressions: [  ]
-        }
-      ],
-      time: { timezone: "Asia/Riyadh", boundary: "startInclusiveEndExclusive", observation: "periodEnd", history: "retainedOnly" },
-      selection: { dataset: "facilities" },
-      calculation: {
-        joins: [
-          {
-            dataset: "schedule",
-            local: "facilityId",
-            foreign: "planId",
-            cardinality: "many",
-            missing: "refuse",
-            aggregates: [
-              { name: "outstandingPrincipal", op: "sum", value: "principal" },
-              { name: "remainingScheduledProfit", op: "sum", value: "profit" },
-              { name: "scheduledPrincipalTotal", op: "sum", value: "scheduledPrincipal" },
-              { name: "capturedScheduleCount", op: "count" },
-              { name: "oldestUnpaidDays", op: "maximum", value: "daysPastDue" }
-            ]
-          },
-          {
-            dataset: "borrowerAccounts",
-            local: "borrowerAccount",
-            foreign: "accountId",
-            cardinality: "one",
-            missing: "refuse",
-            aggregates: [
-              { name: "borrowerParticipant", op: "minimum", value: "participant" }
-            ]
-          },
-          {
-            dataset: "borrowers",
-            local: "borrowerParticipant",
-            foreign: "participantId",
-            cardinality: "one",
-            missing: "refuse",
-            aggregates: [
-              { name: "borrowerEntity", op: "minimum", value: "entityId" }
-            ]
-          }
-        ],
-        expressions: [
-          {
-            id: "threshold",
-            op: "literal",
-            type: { kind: "integer" },
-            value: default_days
-          },
-          {
-            id: "zero",
-            op: "literal",
-            type: { kind: "integer" },
-            value: 0
-          },
-          {
-            id: "one",
-            op: "literal",
-            type: { kind: "integer" },
-            value: 1
-          },
-          {
-            id: "zeroMoney",
-            op: "literal",
-            type: { kind: "money", currency: "SAR" },
-            value: "0"
-          },
-          { id: "pastThreshold", op: "atMost", left: "threshold", right: "oldestUnpaidDays" },
-          { id: "isDefault", op: "and", left: "active", right: "pastThreshold" },
-          { id: "activeCount", op: "choose", condition: "active", yes: "one", no: "zero" },
-          { id: "defaultCount", op: "choose", condition: "isDefault", yes: "one", no: "zero" },
-          { id: "writeOffCount", op: "choose", condition: "writtenOff", yes: "one", no: "zero" },
-          { id: "activePrincipal", op: "choose", condition: "active", yes: "outstandingPrincipal", no: "zeroMoney" },
-          { id: "defaultPrincipal", op: "choose", condition: "isDefault", yes: "outstandingPrincipal", no: "zeroMoney" }
-        ],
-        groupBy: [  ],
-        aggregates: [
-          { name: "activeFacilities", op: "sum", value: "activeCount" },
-          { name: "defaultFacilities", op: "sum", value: "defaultCount" },
-          { name: "writtenOffFacilities", op: "sum", value: "writeOffCount" },
-          { name: "activePrincipalMinor", op: "sum", value: "activePrincipal" },
-          { name: "defaultPrincipalMinor", op: "sum", value: "defaultPrincipal" }
-        ],
-        resultExpressions: [
-          { id: "countRate", op: "ratio", numerator: "defaultFacilities", denominator: "activeFacilities", scale: ratio_scale, rounding: ratio_rounding, zero: "null" },
-          { id: "principalRate", op: "ratio", numerator: "defaultPrincipalMinor", denominator: "activePrincipalMinor", scale: ratio_scale, rounding: ratio_rounding, zero: "null" },
-          {
-            id: "restructuringEvidence",
-            op: "literal",
-            type: { kind: "text" },
-            value: "unavailable"
-          },
-          {
-            id: "defaultDays",
-            op: "literal",
-            type: { kind: "integer" },
-            value: default_days
-          },
-          {
-            id: "rateScale",
-            op: "literal",
-            type: { kind: "integer" },
-            value: ratio_scale
-          }
-        ]
-      },
-      validation: {
-        empty: "refuse",
-        required: [ "borrowerEntity" ],
-        reconcile: [  ],
-        rowReconcile: [
-          { left: "originalPrincipal", right: "scheduledPrincipalTotal" },
-          { left: "scheduleCount", right: "capturedScheduleCount" }
-        ],
-        unavailableFacts: [  ],
-        lockTimeoutMs: lock_wait_ms,
-        captureTimeoutMs: capture_ms,
-        maxRows: max_rows,
-        maxJoinRows: max_join_rows,
-        maxBytes: max_bytes
-      },
-      output: {
-        profile: "internal.v1",
-        formats: [ "json", "csv" ],
-        columns: [
-          {
-            name: "activeFacilities",
-            label: "activeFacilities",
-            type: { kind: "integer" }
-          },
-          {
-            name: "defaultFacilities",
-            label: "defaultFacilities",
-            type: { kind: "integer" }
-          },
-          {
-            name: "writtenOffFacilities",
-            label: "writtenOffFacilities",
-            type: { kind: "integer" }
-          },
-          {
-            name: "activePrincipalMinor",
-            label: "activePrincipalMinor",
-            type: { kind: "money", currency: "SAR" }
-          },
-          {
-            name: "defaultPrincipalMinor",
-            label: "defaultPrincipalMinor",
-            type: { kind: "money", currency: "SAR" }
-          },
-          {
-            name: "countRate",
-            label: "countRate",
-            type: { kind: "integer" }
-          },
-          {
-            name: "principalRate",
-            label: "principalRate",
-            type: { kind: "integer" }
-          },
-          {
-            name: "restructuringEvidence",
-            label: "restructuringEvidence",
-            type: { kind: "text" }
-          },
-          {
-            name: "defaultDays",
-            label: "defaultDays",
-            type: { kind: "integer" }
-          },
-          {
-            name: "rateScale",
-            label: "rateScale",
-            type: { kind: "integer" }
+          },
+          {
+            name: "countRate",
+            label: "countRate",
+            type: { kind: "integer" }
+          },
+          {
+            name: "principalRate",
+            label: "principalRate",
+            type: { kind: "integer" }
+          },
+          {
+            name: "restructuringEvidence",
+            label: "restructuringEvidence",
+            type: { kind: "text" }
+          },
+          {
+            name: "defaultDays",
+            label: "defaultDays",
+            type: { kind: "integer" }
+          },
+          {
+            name: "rateScale",
+            label: "rateScale",
+            type: { kind: "integer" }
           }
         ],
         sort: [ "activeFacilities" ]
@@ -1037,288 +748,6 @@ instrument portfolio(on: ref<financing.installments>[], default_days: integer(1,
         release: [  ],
         retention: { policy: "report_replay", years: retention_years }
       }
-    },
-    {
-      identity: { id: "bureau_facility", version: 1, description: "Bureau facility definition only. No submission, provider layout or transport is admitted until the member specification and required governed facts exist." },
-      scope: { kind: "product", classification: "internal", currency: "SAR" },
-      datasets: [
-        {
-          id: "facilities",
-          source: "instrument",
-          instruments: on,
-          rowKey: "facilityId",
-          columns: [
-            {
-              name: "facilityId",
-              field: "id",
-              type: { kind: "text" },
-              required: true
-            },
-            {
-              name: "borrowerAccount",
-              field: "borrower",
-              type: { kind: "text" },
-              required: true
-            },
-            {
-              name: "state",
-              field: "status",
-              type: { kind: "text" },
-              required: true
-            },
-            {
-              name: "originalPrincipal",
-              field: "principal",
-              type: { kind: "money", currency: "SAR" },
-              required: true
-            },
-            {
-              name: "scheduleCount",
-              field: "months",
-              type: { kind: "integer" },
-              required: true
-            },
-            {
-              name: "recordedCreation",
-              field: "createdAt",
-              type: { kind: "date" },
-              required: true
-            }
-          ],
-          expressions: [
-            {
-              id: "activeState",
-              op: "literal",
-              type: { kind: "text" },
-              value: "active"
-            },
-            {
-              id: "paidState",
-              op: "literal",
-              type: { kind: "text" },
-              value: "paid"
-            },
-            {
-              id: "writtenState",
-              op: "literal",
-              type: { kind: "text" },
-              value: "written_off"
-            },
-            { id: "active", op: "equal", left: "state", right: "activeState" },
-            { id: "paid", op: "equal", left: "state", right: "paidState" },
-            { id: "writtenOff", op: "equal", left: "state", right: "writtenState" },
-            { id: "activeOrPaid", op: "or", left: "active", right: "paid" },
-            { id: "financed", op: "or", left: "active", right: "writtenOff" }
-          ],
-          selection: "financed"
-        },
-        {
-          id: "schedule",
-          source: "instrument",
-          instruments: child(on, slice),
-          rowKey: "sliceId",
-          columns: [
-            {
-              name: "sliceId",
-              field: "id",
-              type: { kind: "text" },
-              required: true
-            },
-            {
-              name: "planId",
-              field: "plan",
-              type: { kind: "text" },
-              required: true
-            },
-            {
-              name: "due",
-              field: "dueAt",
-              type: { kind: "date" },
-              required: true
-            },
-            {
-              name: "principal",
-              field: "principalReceivable.balance",
-              type: { kind: "money", currency: "SAR" },
-              required: true
-            },
-            {
-              name: "profit",
-              field: "profitReceivable.balance",
-              type: { kind: "money", currency: "SAR" },
-              required: true
-            },
-            {
-              name: "earnedProfit",
-              field: "profitEarned.balance",
-              type: { kind: "money", currency: "SAR" },
-              required: true
-            },
-            {
-              name: "scheduledPrincipal",
-              field: "principal",
-              type: { kind: "money", currency: "SAR" },
-              required: true
-            }
-          ],
-          expressions: [
-            {
-              id: "zeroMoney",
-              op: "literal",
-              type: { kind: "money", currency: "SAR" },
-              value: "0"
-            },
-            {
-              id: "zeroDays",
-              op: "literal",
-              type: { kind: "integer" },
-              value: 0
-            },
-            { id: "observed", op: "parameter", name: "observationAt" },
-            { id: "scheduledOutstanding", op: "sum", left: "principal", right: "profit" },
-            { id: "totalOutstanding", op: "sum", left: "scheduledOutstanding", right: "earnedProfit" },
-            { id: "unpaid", op: "less", left: "zeroMoney", right: "totalOutstanding" },
-            { id: "elapsed", op: "daysBetween", left: "due", right: "observed" },
-            { id: "nonnegativeDays", op: "maximum", left: "elapsed", right: "zeroDays" },
-            { id: "daysPastDue", op: "choose", condition: "unpaid", yes: "nonnegativeDays", no: "zeroDays" }
-          ]
-        },
-        {
-          id: "borrowerAccounts",
-          source: "account",
-          instruments: [  ],
-          rowKey: "accountId",
-          columns: [
-            {
-              name: "accountId",
-              field: "id",
-              type: { kind: "text" },
-              required: true
-            },
-            {
-              name: "participant",
-              field: "ownerParticipantId",
-              type: { kind: "text" },
-              required: false
-            }
-          ],
-          expressions: [  ]
-        },
-        {
-          id: "borrowers",
-          source: "identity",
-          instruments: [  ],
-          rowKey: "customerId",
-          columns: [
-            {
-              name: "customerId",
-              field: "id",
-              type: { kind: "text" },
-              required: true
-            },
-            {
-              name: "participantId",
-              field: "participantId",
-              type: { kind: "text" },
-              required: true
-            },
-            {
-              name: "entityId",
-              field: "entityId",
-              type: { kind: "text" },
-              required: true
-            }
-          ],
-          expressions: [  ]
-        }
-      ],
-      time: { timezone: "Asia/Riyadh", boundary: "startInclusiveEndExclusive", observation: "periodEnd", history: "retainedOnly" },
-      selection: { dataset: "facilities" },
-      calculation: {
-        joins: [
-          {
-            dataset: "schedule",
-            local: "facilityId",
-            foreign: "planId",
-            cardinality: "many",
-            missing: "refuse",
-            aggregates: [
-              { name: "outstandingPrincipal", op: "sum", value: "principal" },
-              { name: "remainingScheduledProfit", op: "sum", value: "profit" },
-              { name: "scheduledPrincipalTotal", op: "sum", value: "scheduledPrincipal" },
-              { name: "capturedScheduleCount", op: "count" },
-              { name: "oldestUnpaidDays", op: "maximum", value: "daysPastDue" }
-            ]
-          },
-          {
-            dataset: "borrowerAccounts",
-            local: "borrowerAccount",
-            foreign: "accountId",
-            cardinality: "one",
-            missing: "refuse",
-            aggregates: [
-              { name: "borrowerParticipant", op: "minimum", value: "participant" }
-            ]
-          },
-          {
-            dataset: "borrowers",
-            local: "borrowerParticipant",
-            foreign: "participantId",
-            cardinality: "one",
-            missing: "refuse",
-            aggregates: [
-              { name: "borrowerEntity", op: "minimum", value: "entityId" }
-            ]
-          }
-        ],
-        expressions: [  ],
-        groupBy: [  ],
-        aggregates: [  ],
-        resultExpressions: [  ]
-      },
-      validation: {
-        empty: "refuse",
-        required: [ "borrowerEntity" ],
-        reconcile: [  ],
-        rowReconcile: [
-          { left: "originalPrincipal", right: "scheduledPrincipalTotal" },
-          { left: "scheduleCount", right: "capturedScheduleCount" }
-        ],
-        unavailableFacts: [ "approved member format contract", "versioned borrower identity and dispute facts", "business-effective origination and repayment allocation history" ],
-        lockTimeoutMs: lock_wait_ms,
-        captureTimeoutMs: capture_ms,
-        maxRows: max_rows,
-        maxJoinRows: max_join_rows,
-        maxBytes: max_bytes
-      },
-      output: {
-        profile: "internal.v1",
-        formats: [ "json", "csv" ],
-        columns: [
-          {
-            name: "facilityId",
-            label: "facilityId",
-            type: { kind: "text" }
-          },
-          {
-            name: "borrowerEntity",
-            label: "borrowerEntity",
-            type: { kind: "text" }
-          },
-          {
-            name: "outstandingPrincipal",
-            label: "outstandingPrincipal",
-            type: { kind: "money", currency: "SAR" }
-          }
-        ],
-        sort: [ "facilityId" ]
-      },
-      authority: {
-        request: [ "owner", "finance" ],
-        read: [ "owner", "admin", "operations", "finance", "viewer" ],
-        release: [  ],
-        retention: { policy: "report_replay", years: retention_years }
-      }
     }
   ]
 }